Understanding Your Chances with Gathering Variable All inclusive Life.


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Extra security scope equivalent to or under three years of aggregate family ... The amount of extra security would it take for your family to keep up their ...
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Understanding Your Opportunities with Group Variable Universal Life for workers at NASA

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Ask Yourself... What amount of disaster protection would it take for your family to keep up their way of life if something transpired? Has your present extra security scope kept pace with your family\'s costs, objectives and life occasions? Disaster protection scope equivalent to or under three years of aggregate family unit salary is considered "underinsured". * *As characterized in MetLife, Life Insurance — Post-9/11/01 Study, 2002.

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How Much Coverage? Substitution of all current discretionary term extra security scope Guarantee Issue scope gathered together to the following 1/2 numerous Optional scope in 1/2 products to 8 times your compensation to a most extreme of $2,000,000 * Upon enlistment into the arrangement.

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Ask Yourself... Might you want to supplement your 401(k) commitments? Is it accurate to say that you are putting something aside for the increasing expense of training? Is it true that you are getting ready for post-retirement medicinal costs? By using GVUL\'s venture highlight, you can get to any money esteem that is developed in your testament, amid your lifetime for costs, for example, instruction, land opportunities, post-retirement therapeutic projects or early retirement.

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Tax-Advantaged Investment Opportunity Potential duty conceded development No surrender charges sans tax exchanges between venture portfolios No 59 1/2 early withdrawal punishments — withdrawals will lessen your money quality and passing advantage. Charge free withdrawals up to cost basis* * as a rule, if the subsidizing of your endorsement surpasses certain points of confinement, it will end up being a "modified gift contract" (MEC) and get to be liable to "earnings first" tax assessment on withdrawals and advances. An extra 10% punishment for withdrawals and advances taken before age 591/2 will likewise for the most part apply. We will tell you if a commitment would bring about your authentication to end up a MEC.

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Tax-Advantage of GVUL Premiums Buying Term Insurance & Investing Elsewhere Buying GVUL & Investing Within the Program Premiums For Term Life Insurance Coverage Premiums For GVUL Insurance Coverage And Separate Investment* Cost Basis = Total GVUL Premiums Paid Extra GVUL Premiums For Investment Cost Basis = Only Amount of Money Invested In Separate Investment * Under current law, most citizens are liable to a lower rate of duty on qualifying profits and long haul capital increases than on conventional pay. Assessable disseminations from GVUL are liable to customary salary charge rates.

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Tax-Advantage of GVUL Premiums - Example Age at Issue: 40 End of 25 Years $500,000 Coverage Premiums Premium For GVUL Insurance Coverage Paid altogether = $80,000 $50,000 (Cost Basis) Available Cash Value = $80,000 Extra GVUL Premium For Investment $30,000 (Approx. $100/Month) Cash Value Subject to Tax = $0 Withdrawals will lessen the money esteem and the passing advantage of your declaration. GVUL Investment Earnings $50,000 The above case is not demonstrative of a specific venture. These illustrations don\'t mirror any charges. Profit inside your GVUL scope for the most part can be pulled back from your authentication without salary charge, the length of the trade esteem out your testament is not exactly the aggregate premium paid into your endorsement at the season of withdrawal, less any earlier withdrawals, and gave that the agreement is not an adjusted enrichment contract.

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Tax-Advantage of GVUL Premiums - Example Age at Issue: 40 End of 25 Years $500,000 Coverage Premiums Premium For GVUL Insurance Coverage Paid altogether = $150,000 Available Cash Value = $250,000 $50,000 (Cost Basis) Extra GVUL Premium For Investment $150,000 of Cash Value is Not Subject to Income Tax — Withdrawals surpassing Cost Basis will be liable to common salary charge $100,000 (Approx. $330/Month) Withdrawals will lessen the money esteem and the demise advantage of your endorsement. GVUL Investment Earnings $150,000 The above illustration is not demonstrative of a specific speculation. These cases don\'t mirror any charges. Profit inside your GVUL scope for the most part can be pulled back from your testament without salary charge, the length of the trade esteem out your endorsement is not exactly the aggregate premium paid into your authentication at the season of withdrawal, less any earlier withdrawals, and gave that the agreement is not an adjusted enrichment contract.

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Tax-Advantage of GVUL Premiums - Example Age at Issue: 40 End of 25 Years $500,000 Coverage $150,000 Cost Basis Premium For GVUL Insurance Coverage $150,000 Not Subject To Income Tax Extra Premium for Investment Available Cash Value $250,000 Strategies for Remaining Cash Value Can Include: Loan Provisions Payment of Future Premiums Outstanding credit sums don\'t take an interest in the venture experience of the variable speculation alternatives and can permanently affect endorsement values and advantages. The above illustration is not demonstrative of a specific speculation. These cases don\'t mirror any charges. Profit inside your GVUL scope for the most part can be pulled back from your authentication without wage charge, the length of the trade esteem out your testament is not exactly the aggregate premium paid into your declaration at the season of withdrawal, less any earlier withdrawals, and gave that the agreement is not a changed blessing contract. Withdrawals will decrease the money esteem and the passing advantage of your endorsement.

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Tax-Advantaged Investment Opportunity 17 Variable Investment Portfolios And an Interest Bearing Account as of now paying 5.1% (4%guaranteed) ‡ Premium charge: 2.25% Average resource charge: 1.52% - will fluctuate contingent upon ventures chose ‡ The current crediting rate on the enthusiasm bearing record is liable to change. Assurances depend on the cases paying capacity of Paragon Life.

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Enrollment Deadline 4/1/05 Determine Your Life Insurance Needs Determine Your Investment Plan Complete Enrollment at www.metlife.com/mybenefits To guarantee scope compelling May 1, 2005 Paragon Enrollment Support (800) 846-0124 Monday – Friday • 8 a.m. – 5 p.m. (CT)

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Simple Enrollment Process Insurance Election Investment Election Fund Allocation Other Elections Health Questions Review and Submit Paragon Enrollment Support (800) 846-0124 Monday – Friday • 8 a.m. – 5 p.m. (CT)

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Prospectus Information Prospectuses for Paragon Group Variable Universal Life protection must go before or go with this material. You ought to deliberately consider the data in the plans about the agreement\'s elements, dangers, charges and costs, and the venture targets, dangers and approaches of the fundamental portfolios, too other data about the basic financing decisions. It would be ideal if you read the outlines and consider this data deliberately before contributing. Item accessibility and components may shift by state. All item ensures depend on the monetary quality and cases paying capacity of Paragon Life Insurance Company. Paragon\'s Group Variable Universal Life protection has restrictions. There is no assurance that any of the variable choices in this item will meet their expressed objectives or goals. The record quality is liable to market variances so that, when pulled back, it might be worth pretty much than its unique worth. Securities are endorsed and disseminated through MetLife Investors Distribution Company. Paragon and MetLife Investors Distribution Company are MetLife ® organizations. Strategy Form No. 30037.

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Understanding your advantage opportunities with Group Variable Universal Life Paragon Life Insurance Company • 190 Carondelet Plaza, St. Louis, MO 63105-3433 • (800) 846-0124 L0411FHE4(exp1106)PAR-LD

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